Your guide to the Discover Refer-A-Friend program

Who can I refer to the program?

You can refer friends and family who don’t have a Discover credit card and have not opted out of receiving Discover marketing materials.

What cards can I refer?

To participate in Discover Refer-a-Friend, you must have one of the following cards:

How much cash bonus can I earn?

The rewards you and your referred friend can earn with this program depends on the card you own.

How can I refer a friend?

The process is a simple three steps:

1. Log in to your Discover online account.
2. Generate a referral link.
3. Share your referral link by email or through social media.

If your referral is approved for a Discover credit card, the statement credit reward is posted to your account within one or two billing cycles.

Compare Discover cards to refer

Sort by:

Name	Product	Filter values	Rewards	Purchase APR	Annual fee
Discover it® Cash Back			5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases	0% intro for the first 14 months (then 11.99% to 22.99% variable)	$0	View details	Earn 5% back on up to $1,500 in combined purchases in bonus categories every quarter you activate, then 1% thereafter. Earn 1% back on all other purchases.	Compare	loading Fetching your data...
Discover it® Miles Travel Credit Card			1.5x miles on all purchases	0% intro for the first 14 months (then 11.99% to 22.99% variable)	$0	View details	Earn unlimited 1.5x miles on all purchases - from airfare and hotels to groceries and online shopping.	Compare	loading Fetching your data...
Discover it® Chrome Gas & Restaurant Card			2% back on gas and dining up to $1,000 combined quarterly, then 1% after that and on all other purchases	0% intro for the first 14 months (then 11.99% to 22.99% variable)	$0	View details	Earn 2% cash back on gas and dining on your first $1,000 in combined purchases each quarter. After that earn 1% in these categories and on all other purchases.	Compare	loading Fetching your data...

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What to watch out for

Discover Refer-a-Friend comes with restrictions that can prevent you from earning a referral reward, including:

• Time restrictions.
  You can earn a referral reward only if the person you refer applies and is approved by December 31, 2019.

• Credit card restrictions.
  You can’t use the referral program if you own the Discover it® Secured or the Discover it® Business Card.

Bottom line

If your family or friends don’t have a Discover card yet, you can both earn a one-time reward after they apply and are approved for a card through your personal referral link.

If you’d rather earn rewards without the hassle of referrals, consider applying for a credit card with a generous signup bonus.

Frequently asked questions

• Is the referral reward taxable?

  Discover’s terms state that the referral reward may be taxable. Consult your tax advisor just in case.

• Will I be notified when of my referrals are approved?

  No. Discover doesn’t notify cardholders on referral approval.

• If my referral is successful, when will I receive my reward?

  Your statement credit reward posts to your account within one or two billing cycles after your referral is approved.